The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$11,243
−HK$705/mo
▼ 0.25% · 3.875%
HK$11,592
−HK$356/mo
Today · 4.125%
HK$11,948
baseline
▲ 0.50% · 4.625%
HK$12,675
+HK$727/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$23,896/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,507
−HK$676/mo
▼ 0.25% · 3.875%
HK$12,843
−HK$340/mo
Today · 4.125%
HK$13,183
baseline
▲ 0.50% · 4.625%
HK$13,878
+HK$695/mo
Deposit HK$2.47M · loan HK$2.47M · min. income ≈ HK$26,366/mo (50% DSR)
Upfront cash ≈ HK$2.58M (deposit + AVD stamp duty HK$110,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,491
−HK$846/mo
▼ 0.25% · 3.875%
HK$13,911
−HK$426/mo
Today · 4.125%
HK$14,337
baseline
▲ 0.50% · 4.625%
HK$15,210
+HK$873/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$28,674/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,009
−HK$811/mo
▼ 0.25% · 3.875%
HK$15,411
−HK$409/mo
Today · 4.125%
HK$15,820
baseline
▲ 0.50% · 4.625%
HK$16,654
+HK$834/mo
Deposit HK$1.97M · loan HK$2.96M · min. income ≈ HK$31,640/mo (50% DSR)
Upfront cash ≈ HK$2.08M (deposit + AVD stamp duty HK$110,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,740
−HK$987/mo
▼ 0.25% · 3.875%
HK$16,229
−HK$498/mo
Today · 4.125%
HK$16,727
baseline
▲ 0.50% · 4.625%
HK$17,745
+HK$1,018/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$33,454/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,510
−HK$946/mo
▼ 0.25% · 3.875%
HK$17,980
−HK$476/mo
Today · 4.125%
HK$18,456
baseline
▲ 0.50% · 4.625%
HK$19,429
+HK$973/mo
Deposit HK$1.48M · loan HK$3.45M · min. income ≈ HK$36,912/mo (50% DSR)
Upfront cash ≈ HK$1.59M (deposit + AVD stamp duty HK$110,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,237
−HK$1,269/mo
▼ 0.25% · 3.875%
HK$20,866
−HK$640/mo
Today · 4.125%
HK$21,506
baseline
▲ 0.50% · 4.625%
HK$22,814
+HK$1,308/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$43,012/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$22,513
−HK$1,217/mo
▼ 0.25% · 3.875%
HK$23,117
−HK$613/mo
Today · 4.125%
HK$23,730
baseline
▲ 0.50% · 4.625%
HK$24,980
+HK$1,250/mo
Deposit HK$493K · loan HK$4.44M · min. income ≈ HK$47,460/mo (50% DSR)
Upfront cash ≈ HK$604K (deposit + AVD stamp duty HK$110,546 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).